Scotiabank Earnings Report

Scotiabank Stronger capital ratios % of risk-weighted assets 10 10.6 10.3 Tier 1 9.8 8 6 4 2 O Scotiabank 8.7 8.4 8.0 Tangible Common Equity Q3/02 Q2/03 Q3/03 13 Substantially higher securities surplus $ millions Q3/03 Q2/03 Q3/02 Securities Surplus (Deficit) - Emerging Market Debt 477 432 58 - Fixed Income 27 8 (18) - Equities 155 (22) (166) 659 418 (126) 14

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